Non disclosure of penalty points must i pay retrospectively?

stepmaxi

Captain_Shambolic wrote: »

Depends on the convictions but 6 points is a pretty big deal for an insurer so I'm not surprised at the charge. Some convictions will carry more weight than others with some insurers plus the charge for this year is irrelevant because you have got a new car, the old car will be rated differently to the new one.

The charge for the wife's insurance isn't surprising either, you're named on there and therefore rated as a risk on this insurance as any other driver would be.

Ultimately you've accepted that it's non-disclosure and they frankly have you by the un-mentionables here. The choice is to either suck it up and pay it or have the policy cancelled, which will severely limit what insurers take you in the future, any that do will charge a premium rate for the kind of risk you would represent, given that it would be cancelled due to Non-Disclosure, nevermind the fact that your wife would also fall under that same risk.

The points were TG10 june 2010 and SP50 sept 2011...I think there is a common theme here that I did this on purpose which isn't the case. As the quotes are automaticaly renewed and at the time of taking up the policy I had no points why would i recall the conversation.

the point is how can you justify £492 which is £60 more than the whole year for the new car. The points themselves we stuck in a yellow box so red light offense and 82 on moterway...again not terrible offences but the amount is excessive. I guess you only agree with the charges as this pays your wages?

stepmaxi

dacouch wrote: »

What years were the convictions and what conviction codes were they eg SP30

There were TG10 June 2010 & SP50 sept 2011. TG10 was stuck in the middle as backed up traffic & sp50 82 miles an hour on motorway.

notanewuser

They are backdating the charges to the years concerned. There must have been at least one renewal between June 2010 and September 2011 and another since then. These apply to whatever you had insured at the time, not your new car.

JimmyTheWig

stepmaxi wrote: »

I hold my hands up

That's refreshing after the last thread on this we had, where the guy refused to take any responsibility for getting it wrong!

OP, it seems harsh but I believe you have little realistic choice but to pay it.
It is impossible to say, now, what the premium would have been had you disclosed the points at the time. They've got you over a barrel.

I would also imagine that there will be some sort of admin charge included in what you are being asked to pay. Again, I don't think there is much you can do.

Captain_Shambolic

stepmaxi wrote: »

The points were TG10 june 2010 and SP50 sept 2011...I think there is a common theme here that I did this on purpose which isn't the case. As the quotes are automaticaly renewed and at the time of taking up the policy I had no points why would i recall the conversation.

the point is how can you justify £492 which is £60 more than the whole year for the new car. The points themselves we stuck in a yellow box so red light offense and 82 on moterway...again not terrible offences but the amount is excessive. I guess you only agree with the charges as this pays your wages?

Again I'd advise, ignore the new car. As far as this is concerned it's irrelevant because the charge applies to your old car which will be rated entirely different. I'm also not agreeing with the charges because it pays my wage, that would be petty.

The thing is while you may not think it, an SP70 and TS10 (which is a red light offence) are pretty serious as far as my company go (ignoring the really serious drink/drug ones). When is your renewal date? It might be as others have suggested that you've passed over two renewals.

spacey2012

Points on a licence are there because you can not follow traffic orders and signs.
This makes you a much higher risk to insurers.

I dont think you have grasped what could have happened.
If they had cancelled your policy, you would have to declare that you had insurance cancelled and the reason why according to the insurance companies explanation.
as this is also recorded on the midas I think they call it database, you can no longer get over the phone or on-line quotes.
Your insurance would have to be bought via specialist brokers who insure fraudulent Insurance Declaration marker drivers.
You would be paying in the Thousands for the next 6 years.
They have done you a huge favour here.

Jump up and down hard enough and the trap door may just open.


(Money saving advice)

stepmaxi

notanewuser wrote: »

Why would they explicitly ask you about convictions/points if they were going to get the info from the DVLA?

exactly thats why i told them..doh! for the new car...as i have renewed automatically for last 8 years I didn't know this was needed..so cynical as you are I was never asked the questions again until the new insurance for the new car.

Captain_Shambolic

That's not surprising. If you've renewed automatically they'll have had no need to check information with you until the risk changes (like the new car). Did you renewal documents come through the post or online? Did those documents have a page which detailed what you had told them about your driving history?

notanewuser

Captain_Shambolic wrote: »

That's not surprising. If you've renewed automatically they'll have had no need to check information with you until the risk changes (like the new car). Did you renewal documents come through the post or online? Did those documents have a page which detailed what you had told them about your driving history?

With a policy booklet detailing when and how to tell them about any changes.........

stepmaxi

spacey2012 wrote: »

Points on a licence are there because you can not follow traffic orders and signs.
This makes you a much higher risk to insurers.

I dont think you have grasped what could have happened.
If they had cancelled your policy, you would have to declare that you had insurance cancelled and the reason why according to the insurance companies explanation.
as this is also recorded on the midas I think they call it database, you can no longer get over the phone or on-line quotes.
Your insurance would have to be bought via specialist brokers who insure fraudulent Insurance Declaration marker drivers.
You would be paying in the Thousands for the next 6 years.
They have done you a huge favour here.

Jump up and down hard enough and the trap door may just open.


(Money saving advice)

my my my a huge favour eh...£750 charge which could have been thousands...I feel grateful now... please explain that if I pay retrospectively it isn't the cost i should have paid minus what i did pay? then I would pay that gladly as i have made a mistake? honestly i think the insurance industry knows they have you by the balls so they charge what they can